The check card is OK, it's Wachovia's processing time that is unbearable. I just opened an account and got the card. I never thought to ask when items were posted to the account. I have accounts at 3 other banks, and cash/debit/ATM transactions post immediately and are reflected in online banking within minutes, even ATM check deposits. With Wachovia, you won't see the amount posted until the next morning at the earliest, and possibly 2-3 days later. With today's immediate electronic banking this is totally ridiculous!